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House affordability calculator

Lenders usually cap housing costs at 28% of gross income, and all debts at 36%. See the price that fits.

Income and debts

Car loans, student loans, credit card minimums.

Mortgage
Taxes and costs

per year

Debt-to-income limits

Questions people ask

What is the 28/36 rule?

A common lending guideline: spend no more than 28% of gross monthly income on housing (mortgage, tax, insurance, HOA) and no more than 36% on all debts together. Some loan programs allow more, but less leaves room for saving and surprises.

Does a bigger down payment help?

Yes, twice: it adds directly to the price you can pay, and at 20% or more you avoid PMI, which frees up more of the monthly budget for the loan itself.